Credit Reports

How to Get Them

“Free Credit Report” offers – Are they really free?

Many offers come with some strings attached. There are plenty of “Free Credit Report” offers on the Internet these days, and you wonder why. You are probably asking yourself, “Isn’t there any catch to this offer?” The answer is YES. You should be aware that most “Free Credit Report” offers come with a price; it usually means “Free” with the purchase of something else. Or, it might mean free during a Credit Monitoring trial period. Which ever the case may be, these “Free” options can sometimes end up costing you $50 plus if you are not careful. The “Free” aspect of this offer is that you have the option of canceling your subscription over a specified trial period for a full refund. You should, however, cancel the subscription before it is billed to your credit card–usually 30 days from the purchase date. Make sure your read the fine print: find any information that explains why the report is free. Read the service agreement before placing your order: all companies should list a service agreement that you must accept prior to submitting your order, and there is often times valuable information that you should know.

How to get a no-strings-attached FREE credit report

Credit bureaus are bound by the Fair Credit Reporting Act to provide you with a free credit report if you meet these specific requirements:

  • You have been denied credit, insurance, or employment within the past sixty (60) days as a result of your credit report. (It is the responsibility of the company that denied you credit or employment to indicate which credit reporting company was used, and the phone number and address for getting the free report. Free reports may not available over the Internet.)
  • You can certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the date in which you made the certification.
  • You are a recipient of public welfare assistance or have reason to believe that your file at the agency contains inaccurate information due to fraud.
  • As a resident of certain states you have a right to a free copy of your credit report:

    If you are a resident of Colorado, Massachusetts, Maryland, New Jersey, or Vermont, you may receive one free copy of your credit report each year from the each of the credit bureaus. If you are a resident of Georgia, you may receive two free copies of your credit report each year from the credit bureaus. If you meet the above conditions, you can order a Free copy of your Credit Report by contacting them by mail or phone:

    • Experian
      Mail: P.O. Box 2002, Allen, TX 75013
      Phone: (888) Experian (888-397-3742)
    • Equifax
      Mail: PO Box 740241, Atlanta, GA 30374
      Phone (800) 685-1111
    • TransUnion
      Mail: 2 Baldwin Place, PO Box 1000, Chester, PA 19022
      Phone: (800) 888-4213


When you call for a free report, be sure to have the following information about yourself ready …

  • First, middle and last name (including Jr., Sr., III)
  • Current address
  • Previous addresses in the past two years, if any
  • Social Security Number
  • Date of birth
  • Current employer
  • Phone number


Online Credit Reports

What to do if you do not meet the above requirements? There are a variety of inexpensive online Credit Report Services that you can choose from. Here are some of the benefits that you will receive:

  • Online access at the time of purchase
  • Your credit score is also available online
  • Overall better service and experience.


You can order your credit report from any of the following credit service companies or directly from the credit bureaus. When you order your report, have ready your Social Security number,date of birth, current and previous addresses for the past five years, and maiden name, if applicable. Many credit service companies offer a free credit report when your sign up for their credit monitoring service. With today’s technology, credit reports can be obtained easily on the internet. If you haven’t seen your credit report lately, get a 3-in-1 merged credit report from all three major credit reporting agencies — Experian, Equifax, and TransUnion. Each of the three national credit reporting agencies are independent of each other. Therefore what is on one report may or may not be on another. There are a variety of companies that will offer you a credit report online. Some credit reports are easier to read; some are more convenient given your particular situation while others have additional features that you might find valuable. In the end, however, all will provide you with the data you’ll need to be an informed consumer. You’d better check their sample report before you order. You can get your merged or individual report from one of the following credit service companies.

Request your Credit Report from the following services:

  • TrueCredit.com
    They offer 3-in-1 credit report which includes all three credit reports from major credit bureaus: the most comprehensive picture of your credit history
  • Experian.com
    They offer a free copy of Experian Consumer Credit Report when you sign up for their Credit Check Monitoring Service.
  • CreditExpert.com
    When you sign up for the Credit Manager premium service, you’ll get unlimited access to your Experian credit report. 3-Bureau Credit Report is also available.

Education

Financial Aid, Scholarships & Loans

Tennessee Universities, Community Colleges and Technology Centers: Provides an index of public universities and Community Colleges in the state of Tennessee with links to each one’s home page.http://www.tn.gov/thec/learn-about/tennessee-s-college-and-universities.html

Tennessee Independent Colleges & Universities: Provides an index of independent colleges and universities in the state of Tennessee with links to each one’s home page.http://www.TICUA.org

Updated November 2022

Free Email Accounts

How to Find a Provider

It is important to choose an email provider that has:

  • Good customer support
  • Proven reliability with connectivity
  • Access via the internet (web-based email)
  • Options for increasing your storage if it is needed

Tips on Choosing a Provider

  • Be sure to check the storage capacity with free email providers. If you are expecting to receive huge quantities of email, or email that will contain large attachments you will need a larger storage capacity. Be aware that some providers will encourage you to pay a charge for more storage.
  • After you establish a free email account it is important to check your mail regularly and delete any unwanted messages. New messages will not be delivered if your storage capacity is full.
  • Messages you keep are stored on a server that belongs to the provider. Providers can go out of business without a notification so you may want to print out important information and keep the paper copy as a backup.

At the Library: A Help Sheet for establishing a free Yahoo email account is available at the Reference Desk, but you are free to choose any provider that suits your needs.

Occupations

Vocational Guidance / Career Development

  • Occupational Outlook Handbook, Online Edition: a nationally recognized source of career information, designed to provide valuable assistance to individuals making decisions about their future work lives. Revised every two years, the Handbook describes what workers do on the job, working conditions, the training and education needed, earnings, and expected job prospects in a wide range of occupations.
    http://www.bls.gov/ooh/
  • O*Net OnLine: Dictionary of Occupational Titles, Occupational Information Network : Search by occupation, skills, or codes issued by the Dictionary of Occupational Titles (DOT), Registered Apprenticeship Information System (RAIS), Military Occupational Classification (MOC), and the Standard Occupational Classification (SOC). Each entry can be viewed in a summary or detailed format. Entries include information on tasks, knowledge required, skills, abilities, work activities, work context, and related occupations. Other categories include Job Zone, interests, work value, and work needs. The Wages & Employment section gives the average salary in each state.
    http://onetonline.org/


At the Library:
Check resources in our Reference Collection within the 331.1 to 331.7 call numbers.

See also the Online Catalog, checking subjects such as: career development, careers, occupations, vocational guidance, and individual career topics.

Reference

Federal Citizen Information Center
Obtain federal brochures on a variety of topics, including Medicare. This site included a version in Español, and one specifically designed for sight reader machines.
http://www.pueblo.gsa.gov/ 

Find Articles: the Web’s First Free Article Search
Search and read 2.8 million articles from over 500 publications. You may search for publications by name, or subject.
http://www.findarticles.com/

Internet Public Library
Includes subject collections, ready reference, Reading Room, KidSpace, TeenSpace, Special Collections, searching tools, and more!
http://www.ipl.org/div/subject/

Our Documents
Over 100 of the United States’ most important documents. The Our Documents initiative is a cooperative effort among National History Day, The National Archives and Records Administration, and USA Freedom Corps.
http://www.ourdocuments.gov/index.php?flash=true& 

United States Chamber of Commerce Directory
Locate a Chamber of Commerce near you!
http://www.uschamber.com/chambers/directory/default.htm

My Virtual Reference Desk
The Refdesk is full of facts and figures, updated news, and links to sources from phone books to world clocks.
http://www.refdesk.com/

The World Factbook
Provides national-level information on countries, territories, and dependencies.
www.cia.gov/the-world-factbook/

At the Library: See our Quick REF section for more resources on a variety of subjects.

Websites For Children

The librarians at E. G. Fisher have put together this list of websites for school age children. Here you’ll find websites for brain games, websites for learning to read, websites for homework help and websites that have really cool stuff. Parents, please be aware that the information found in these links may change without our notice. E. G. Fisher does not take responsibility for the content on these websites. The best way to keep your children safe on the Internet is to be involved in their web use. The Firefly browser, available through Luciboo, filters web content for child appropriate material. You can download it to your computer to help keep your children safe on the web.

AR BookFinder

Searching for Accelerated Reader books is fun and easy with this free online tool.

Tel4U

Tel4U is a resource for children in grades K-5. It has homework help, state information, coloring pages, games, activities and much more.

Summer Reading Lists

The Association for Library Service to Children (ALSC) has released three Summer Reading lists to keep children engaged all summer. Lists are available for K-8 students. 

National Geographic Kids

Go here for games, blogs from kids all over the world, cool facts and photos of animals and all sorts of fun things to do. 

Starfall

Starfall is great site full of games for the beginning reader.

PBS Kids

Find games and activities with all your favorite characters from PBS — Elmo, Martha Speaks, Arthur and more.

USA.gov/education

This is a great site for finding stuff you won’t find anywhere else. Check out the Geospatial Intelligence Kids Agency. This is also a great place to go to find facts about any of the 50 states.

Library of Congress – Kids and Families

From the Library of Congress, this site is full of information and fun for kids and parents alike.

Brain Pop

Find games and information on everything from the arts to the sciences to health and technology.

Liberty’s Kids

Associated with PBS, this is the website for the program Liberty’s Kids. It has games, activities and biographies from the show.

SUICIDE PREVENTION FOR CHILDREN